A strategy for each stage of your retirement
Preparing For Retirement
Plan early to start with a solid foundation..
You may be approaching the end of your working career, but you are just getting started when it comes to setting up your retirement. We offer personal advice around how to best structure your portfolio to last through your retirement, with a free no-commitment consultation to find out if there is anything we can do to help before becoming a client.
How long will your savings last?
The first thing to work out is what you can expect from your current savings and investments over the time frame you need it to last. Start by entering the amount you have saved for retirement, then enter how much you think you need to draw out as an annual income for living expenses.
This calculator uses historical average returns of a 50/50 bond/stock portfolio for projections and factors in a 4% annual inflation. The chart should be considered an very rough estimation not a precise forecast.
You will need about two-thirds of your current income per year to maintain your lifestyle in retirement.
This is a model not a prediction. Results are only estimates, the actual amounts may be higher or lower. We cannot predict things that will affect your decision such as movements in investment markets. This calculator is not intended to be your sole source of information when making a financial decision. You should consider whether you should get advice from a licensed financial adviser.
The transition to a secure retirement
Speak to an adviser about a pre-retirement portfolio today.
How to make it last..
Now that you're retired, it's time to get serious about how to maximize your investment horizon. Early in retirement you can afford to be more aggressive in regards to actively generating additional income and protecting your portfolio, and we offer a range of strategies to target those objectives.
Asset allocation that changes with your requirements
Each asset class has its own unique risk and return characteristics, our goal is to create the optimal mix for a given time horizon. Earlier in your retirement with a longer time frame, you will be able to better tolerate the volatility of stocks in exchange for higher returns, however as you transition through retirement your need for lower volatility increases and as such so does your weighting to more stable asset classes such bonds.
We draw on Nobel Prize winning portfolio theories to optimally blend the weightings of the major asset classes in order to produce the most efficient portfolio for a given investment horizon.
Speak to an adviser about a retirement portfolio today.
It's time to simplify your investments..
As you transition further into retirement, you more than likely will prefer to start focusing on the important things in life like family and travel rather than day to day operation of an investment portfolio. We have a plan on how to slowly move to a lower-touch model to free up more time and reduce administration requirements.